Territory



3 SHEETS-SHEET l.

A TTOHNE 78 No. 770,710. PATENTED SEPT. 20, 1904 W. M. BRALY. MACHINE FOR CALCULATING INTEREST AND PERCENTAGE.

APPLICATION FILED 0GT.13, 1903.

NO MODEL.

Fina;

o RN 1! U I NR? (IHIMmiiiiiimmlmmmrmnn WITNESSES:

PATENTED SEPT. 20, 19074 W. M. BRALY. MACHINE FOR CALCULATING INTEREST AND PERCENTAGE.

APPLICATION FILED OGT.13, 1903.

NO MODEL.

WITNESSES.

A 770HNEYS 3 SHEETS-SHEET 3.

A fro/m5 rs IN VENTOH 775/26?!" LZ/hfiiu Zznly PATENTED SEPT. 20, 1904.

W. M. BRALY.

APPLICATION FILED 0OT.13, 1903.

MACHINE FOR CALCULATING INTEREST AND PERCENTAGE.

no MODEL.

& Q \\\\\\\\\\\\\\\\\\\\\\\X W/ TNESSES" UNITED STATES Patented September 20, 1904.

PATENT OFFICE.

WALTER MARTIN BRALY, OF BLAOKI/VELL, OKLAHOMA TERRITORY.

SPECIFICATION forming part of Letters Patent No. 770,710, dated September 20, 1904:.

Application filed October 13, 1903. Serial No. 176,880. (No model.)

To all whom it may concern:

Be it known that I, WALTER MARTIN BRALY, a citizen of the United States, and a resident of Blackwell, in the county of Kay and Territory of Oklahoma, have invented a new and Improved Machine for Calculating Interest and Percentage, of which the following is a full, clear, and exact description.

The purpose of the invention is to provide a machine for calculating interest and percentage which will be of simple and economical construction, concise, accurate, and readily operated.

The invention consists in the novel construction and combination of the several parts, as will be hereinafter fully set forth, and pointed out in the claims.

Reference is to be had to the accompanying drawings, forming a part of this specification, in which similar characters of reference indicate corresponding parts in all the figures.

Figure 1 is a front elevation of the machine.

Fig. 2 is a vertical section of the machine,

taken practically'on the line 2 2 of Fig. 3. Fig. 3 is a horizontal section through the machine, taken substantially on the line3 3 of Fig. 2. Fig. 1 is a vertical section taken practically on the lines 41 a of Figs. 3 and 5. Fig. 5 is a transverse section taken on the line 5 5 of Fig. 4. Fig. 6 is adetail sectional view taken substantially on the line 6 6 of Fig. 3. Fig. 7 is a horizontal section taken practically on the line 7 7 of Fig. 6. Fig. 8 is a longitudinal section taken through the outer end of the operating or handle lever or bar. Fig. 9 is a longitudinal section through the inner end of the handle lever or bar, taken substantially on the line 9 9 of Fig. 10; and'Fig. 10 is a horizontal section taken through the inner end of the handle-lever or operating-bar practically on the line 1O 10 of Fig. 9.

A represents the case of the machine, which may be of any desired construction and which is preferably provided at the front with an illuminated panel. Preferably at the righthand end of the case a chamber A is formed extending from top to bottom of the case, and in this chamber a carriage a is mounted for vertical movement, comprising a front and a rear member and a bottom member 11 and a top member 12, together with a vertical partition a dividing the carriage into two compartments. In the bottom member 11 and the top member 12 of the carriage corresponding openings are produced, through which openings a rack-bar 13 extends, being secured to the top and bottom of the chamber A. The teeth 14: of the rack-bar are produced in its outer edge or the edge facing the right-hand end of the case A, as is best shown in Fig. 2. A screw 15 is mounted to turn in the bottom of the chamber A, and this screw extends loosely through the bottom 11 and the top 12 of the carriagea and out through the top of the case A, being provided at its outer end with a thumb-piece 16, whereby the said screw may be turned. The screw 15 passes through the rear compartment of the carriage a, as is shown in Fig. 3, and is engaged by a block 17, having a threaded face which contacts with the screw, and the said block is held in engagement with the screw by means of a spring 18, preferably secured to a pin 19, extending rearward from the partition (0', as is also shown in Fig. 3. This block 17 is attached to the forked or bifurcated end 20 of a rod 21, which extends out through a slot 21 in the right-hand end of the case, terminating in a knob 22. hen the carriage a is to be carried slowly downward or is to have fine adjustment in its travel, the thumb-piece 16 is manipulated; but when the carriage is to be rapidly raised or lowered the rod 21 is forced inward by pressure on the knob 22, thus carrying the block 17, which acts as a nut, from engagement with the screw A post 23 is mounted to turn in the front of the carriage a and in the partition a, as is shown in Fig. 3, and this post extends outward through the center of a dial B, produced or formed upon the front face of the said carriage a, as is shown in Fig. 1. This dial is a rate-dial and is of circular formation. It

comprises an outer division 6 and an inner division 6, the outer division being pointed off in fractions and the inner division in full numbers, as is shown alsoin Fig. l. A pointer 24: is made to frictionally engage with the outer end of the post 23 and to travel over the inner division Z) of the dial, while preferably a double pointer is made to travel over the outer division 6 of the said rate-dial B. This double pointer 25 is provided with a sleeve 26, adapted to turn freely on the post 23, as is shown in Fig. 3, and at the inner end of the said sleeve 26 a pinion 27 is secured, which pinion is located at the center of the hub of a double-faced wheel 28, the hub 29 whereof is secured to the post 23 in front of the partition a of the carriage a, as is shown in Fig. 3. The wheel 28 is termed a double-faced wheel, as its rim is provided with interiorlylocated teeth 30 and eXteriorly-formed teeth 31, the eXteriorly-formed teeth being adapted for engagement with the teeth of the rack 13, as is shown in Fig. 3, while the interiorly-located teeth 30 engage with a gear 32, mounted to turn on a pin 33, secured to the front of the carriage a, and this inner gear 32 meshes with the pinion 27.

At thelower left-hand end of the case A a horizontal lug 34 is secured, (see Figs. 9 and 10,) and this lug is adapted to carry an operating-lever C, comprising two members 0 and 0, one independent of the other. The levers are fulcrumed on the lug 34 by means of a common pin 38, which is attached at its ends to sleeves 36 and 37. Through the sleeve 36 the member 0 of the said operating-lever is passed, while the opposing member 0 of the lever is passed through the sleeve 37, both members of the lever having sliding movement in their respective sleeves, as is indicated in Fig. 10. The front member 0 of the operating-lever C is provided with a longitudinal slot 35, and the rear member of the operating-lever passes through an opening in the right-hand end of the carriage and within a vertical slot in the right-hand end of the case, while the front member 0' of the said lever passes through a vertical slot made in the right hand end or side of the carriage a, connecting with the opening through which the rear member of the lever passes. The front member 0' of the said operating-lever C likewise passes through the aforesaid slot 35 in the right-hand end of the case, as is shown in Fig. 3. After the hands or pointers have been set on the rate-dial B, which is done by hand, the pointers are restored to their zero position by the downward movement of the carriage a, which is brought about by the bodily downward movement of both members of the operating-lever C. The rear member 0 of the operating-lever C is provided with a forwardly-extending flange 39 at its outer end, and in the corresponding end of the forward member 0 a spring-controlled bolt 40 is mounted to slide, adapted to enter a suitable opening 41 in the flange 39 of the rear member of said lever, as is illustrated in Fig. 8, thus providing a means for the outer member of the operating-lever being moved independently of Near the bottom of the carriage a a horizontal post 42 is located, and this post has secured thereto a ratchet-wheel 43, occupying a position between the partition (0 of the carriage and its back. This post is controlled by a spring 43, and the said post carries a numbered dial 44 at its outer end, a number on which dial as it is turned by the movement of the post 42 appearing at an opening 45 in the front of the carriage, as is shown in Fig. 1. The ratehet wheel 43 is engaged by a springcontrolled pawl 46, and the said ratchet-wheel is turned at the upward movement of the forward member of the lever C, so as to indicate the number of times that the said member of the lever has been carried downward and upward. This movement of the dial at the upward movement of the forward member of the operating-lever O is brought about by securing a pin 47 in the said member 0 of the lever adapted to travel in a vertical slot 48, made in the partition (4 of the carriage, and the said pin is adapted to engage with a dog 48 of angular formation, comprising a body member and a head member hinged to the body member and controlled by a suitable spring normally holding the head member at an angle to the body member, as is shown in Fig. 2, and the body member of the dog 48 is pivoted to the forward end of the partition (0', so that as the member 0' of the operatinglever is carried downward the dog 48 will drop by gravity to the position shown by dotted lines in Fig. 2, and as the said member 0 of the operating-lever C is carried upward the pin 47 engaging with the dog will force its head member againsta tooth on the ratchetwheel 43, turning the said ratchet-wheel one' tooth, and thereby presenting a different figure at the opening 45, hereinbefore mentioned and shown in Fig. 1. When the carriage is carried down to the bottom of the case A, a pin 50, located at the bottom of the case, will enter an opening-51 in the bottom of the carriage a and will trip the pawl 46, permitting the spring 43*, controlling the movement of the post 42, to restore the ratchet-wheel and connected pawl 44 to normal or Zero position.

By reference to Fig. 3 it will be observed that the rear member 0 of the operating-lever C is attached to the carriage a by means of a pin 46. A second carriage, D, is located in the case A, adapted to have lateral movement from the compartment A to the opposite end of the case, and said carriage consists of a back section 47, a bottom 47 a top section 47 a front section 48, a rear partition 49, and a front partition 50. The carriage is given motion through the medium ofa screw-shaft 51, which extends through the case from end to end, being provided outside of the case with suitable knobs 52, and upon the forward partition a block 54 is supported by a spring 55, as is shown in Fig. 2, which block serves as a nut, having a threaded recess in its bottom for engagement with the screw-shaft. hen it is desired to rapidly move the carriage D, the block 54 is lifted from engagement with the screw-shaft through the medium of a lever 56, pivoted on the carriage, as is also shown in Fig. 2.

A rack 53 is secured to the bottom portion of the casing, extending the length of the main chamber A, as is shown in Figs. 2 and 3. This rack is instrumental in operating the hands 57 and 58 of a time-dial D, having two divisions (Z and cl, the division (Z being pointed off to indicate the days of a month and the division (Z to indicate the months of a year. Thetimedial is produced upon the front face of the carriage D'near the bottom, as shown in Fig. 1. As is illustratedin Fig. 5, the hand or pointer 57 for the days is frictionally held upon the outer end of a post 59, which extends out through the center of the dial D,

being journaled at its rear end in the partition 49, while the hand or pointer 58 for the months is frictionally held upon a sleeve 60, turning freely on the post 59. A gear-wheel 61 is secured to the inner end portion of the post 59. having exterior rim-teeth 63, which engage with the teeth of the rack 53, and interior rim-teeth 62, which mesh with a smaller gear 64, and the latter gear in turn meshes with a pinion 65, which pinion meshes with a pinion 66, secured to the sleeve 60, as is shown in Fig. 4. The spindles 64 and 65 for the gear 64 and the pinion 65 are carried by the forward partition 50, as is indicated in Fig. 5.

An amount-dial D is produced upon the front face of the curriage D above the timedial D, as is shown in Fig. l, and this amountdial is provided with three divisions-viz. an inner division (Z pointed off to represent dollars; an outer division (Z pointed off to represent mills, and an intermediate division (F, pointed off to represent cents. Consequently three hands or pointers are employed, of different lengthsa short one, 67, for the dollar- 'division; a longer one, 68, for the cents-division, and a still longer one, 69, for the mills. The shorter hand or pointer 67 is frictionally mounted upon a post 70, as is shown in Fig. 3, which post is mounted to turn in the carriage and extends through from front to rear. In the space between the partition 49 and the back of the carriage D a ratchetwheel 71 is secured upon the post 70, (shown best in Fig. 3,) and this wheel has an intermediate hub 72, provided with pins 73, (see Fig. 6,) the said hub being controlled in one direction by a coil-spring 74. The ratchetwheel is actuated in the opposite or working direction through the upward movement of the forward member 0' of the operating-lever C, which action is accomplished as follows: An

. endless metal belt 75 (shown best in Fig. 6)

is passed over the hub 72 of the ratchet-wheel 71 and over a wheel 76, held to turn at the lower portion of the back of the carriage D,-

-the slot in the guide-plate 78.

wheel is rotated in one direction.

nally-slotted guide-plate 78 is offset from the back of the carriage D quite close to and parallel with a side stretch of the belt 75, as

is best shown in Fig. 6, and from the same stretch of the belt an attached block 79 is projected at the rear of the guide-plate 78, which block is provided with a rear pin 80, extending into the slot 35 of the forward member 0 of the operating member 0, as is shown in Fig. 7, and forwardly-extending pins 81 at the front of the said block enter Thus it will be observed as the member 0 of the lever C is operated movement is imparted to the belt 75 and through the belt to the ratchet-wheel -71, and consequently to the dollar hand or ing pawls 85, which engage with the teeth of the ratchet-wheel 72. Therefore the gear 82 is turned by the ratchet-wheel when said The gearwheel 82 is adapted to impart movement to the hand or pointer 68 for the cents-division of the dial D and this hand is carried by a sleeve 86, mounted to turn loosely upon the stud 70, as is shown in Fig. 3', and a pinion 87 is secured to the inner end of the sleeve, which pinion meshes with a larger gear 88, and this. gear is in mesh with a similar gear 89. The latter gear 89 meshes with the interior teeth 83 of the master or larger gear 82. The spindles for the intermediate gears 88 and 89 are carried by the partition 49.

The pin 80, which extends into the slot 35 of the operating-lever 0, must be in registry with the common pin 38 of the lug 34 when the pointers 67, 68, and 69 of the amount-dial D and the pointers 57 and 58,0f the time-dial D are at zero, since if the pin were otherwise than opposite the pin 38 of the lug 34 when the operating-lever C is raised to indicate the rate of interest it would operate the pointers 67 68, and 69 of the dial D which should not occur while the pointers of the time-dial D remain at Zero.

WVith reference to the mechanism for moving the hand or pointer 69 for the mills-division cZ*, said pointer is mounted upon a sleeve 90, which turns loosely around the sleeve 86 for the cents-division, and at the inner end of this sleeve 90 a pinion 91 is secured, which is located at the hub of a gear 93, corresponding to the gear 82, the gear 93 having internal teeth 92. The pinion 91 meshes with a small gear 94, which in turn meshes with a similar gear 95, and the latter gear meshes with the internal teeth of the larger gear 93, which larger or master gear is secured, preferably, to the outer sleeve 90, as is shown in Fig. 3.

A gear 82 is loosely mounted The spindles for the-gears93 and 94 are sup ported by the partition 50; A ratchet-wheel 96 is located in front of the gear 93, attached also to the outer sleeve 90, and the teeth of the ratchet-wheel 96 are engaged by a springcontrolled pawl 97, connected by a link 98 with an elbow-lever 99, so-that when the carriage D is moved to the left-hand end of the case A a finger 100, extending from said end of the case, will strike the elbow-lever 99 and release the pawl 97 from the ratchet-wheel 96, therebypermitting the spring 74 to act and restore the pointers or hands 67,68, and 69 to their normal position.

The principle of the machine may be summed up as follows: One end of the operating-lever G is raised to indicate an increase in the rate of interest, and the movement of the carriage D'to the right indicates an increase in time. Thus if one end of the operating-lever C be raised as high as possible and the carriage D'be moved to the right as far as possible the pin 80,. whichv works in the slot 35in the lever C, would be raised twice as high as it would be if the end of the operating-lever C were raised only half as high. Therefore it would register on the amountdial D twice asmuch as it would if thelever C were raised only half as high, or if the end of the operating-lever G is raised until any given rate of interest is registered on the ratedial B and then if the carriage D is moved to the right until, for example, the pointers on the time-dial D register six months the pointers of the next dial D- will register only half as much as they would if the carriage D was moved twice as far oruntilthepointers on the dial D would register twelve months. This condition prevails because the pin 80, working' in the slot 35- of the operating-lever C, would be raised only half as high to indicate SlX.

months as-it would to'indicate twelve months, and the pointers of the interest-dial D would register only half as much. To operate the machine when the rate of interest and the time are given, to find the interest move the carriage A upward until the pointers on the dial B register the correct rate. Then move the carriage D from zero to the right until the pointers on the time-dial D register the correct time in months and days. The amount then registered in dollars, cents, mills, and fractions thereof is the interest on one dollar for the given time at the given rate. If the principal is ten dollars, take the interest on one dollar and move the decimal-point one place to the right. If the principal is one hundred dollars, move the pointer two places to the right, and so on; but if the principal vis ten cents move the decimal-point one place to the left; if one cent, move the point two places to the left. If the principal is two dollars, release the forward member 0 of the operating-lever C by manipulating the latch 40. Then move the forward member of the operating-lever C downward as far as it will go, thus carrying the pin 80 and the block 79 with it, and the ratchet-wheel. 71 is at this time turned back-ward; but the pointersof the interest-dial D remain stationary, being held by the ratchet-wheel 96. When the forward member 0' of the operating-lever C is again raised, it raises the pin 80 and the block 79, thus operatingthe ratchet 71', whereupon the pointers of the dial D which wereheld stationary, are caused to move forward as much farther as they had previously moved, thereby registering twice as much. As the member 0 of the lever C is raised it moves the ratchet-wheel 43 one notch, displaying the figure 2at the opening 45. The amountnow registered upon the dial D is the interest on two dollars for the given time and rate. If the principal is three dollars, multiply by moving the forward member 0 of the operating-lever C downward. and upward until the desired number is shown at the opening 45.

When a principal asfour hundred and twenty-six dollars and ten cents is given to find the interest, first raise the carriage at until the given rate is. registered onthe rate-dial B. Then move the carriage D to the right until the given time is registered on the dial D. The amount then registered on the dial D is the interest on one dollar for the given time 9 and rate. Set this down with the decimalpoint moved. one place to the left, (which is the same as dividing by ten.) This-isthe interest on ten cents. Multiply the amount registered onthe dial D (which is the interest on one dollar) once by moving the forward member of the operating-lever G down and up. The amount then registered on the dial D is the interest on two dollars, ($2.) This amount set down with the decimal-point moved one place to-the right is the interest on twenty dollars, ($20.) Next multiply the amount registered on the dial D (which is the interest on two dollars) twice by moving the operatinglever C. The amount then registered on the dial D is the interest on four dollars, ($4.) This interest set down with the pointer moved two places to the right is the interest on four hundred dollars. Now multiply the amount registered on the dial D (which is the interest on four dollars) twice. The amount then registered on the dial D- is the interest on six dollars, ($6-) The sum of the several interests thus found and set down will be the required interest.

If the interest and rate are given, to find the time first get the correct rate on the dial B. Then move the carriage D until the pointers on the dial D register the correct amount of interest on one dollar. The time is then registered on: the dial D. If the time and interest on one dollar are given, to find the rate move the carriage D until the proper time is registered on the dial D. Then raise the carriagev A untilv the correct interest on one dollar is registered on the dial D The rate will then appear upon the dial B.

Having thus described my invention, I claim as new and desire to secure by Letters Patent 1. In a machine for calculating interest and percentage, a rate-dial, pointers mounted to travel over the same. a time-dial, pointers therefor, an amount-dial and pointers for the same, and independent controlling mechanisms for the pointers for the dials, including carriages for the rate and time dials and a lever for the amount-dial, as described.

2. In a machine for computing interest and percentage, a case, a carriage having vertical movement in the case, a rate-dial on the said carriage, pointers for the rate-dial and an operative mechanism for the pointers carried by the said carriage, a second carriage having lateral movement, the latter carriage being provided with two dials, a time dial and an amount-dial and pointers for each dial, separate operating mechanisms for the pointers of each dial carried by the said laterally-moving carriage, and an operating-lever for the operating mechanisms for the pointers of the amount-dial, as described.

3. In a machine for computing interest and percentage, a case, a carriage having vertical movement in the case, a rate-dial on the said carriage, pointers for the rate-dial and an operative mechanism for the pointers carried by the said carriage, a second carriage having lateral movement, the latter carriage being provided with two dials, a time dial and an amount-dial and pointers for each dial, separate operating mechanisms for the pointers of each dial carried by the said laterallymoving carriage, an operating-lever for the operating mechanisms for the pointers of the amount-dial, as described, an adjusting mechanism for the vertically-movable carriage, and an independent adjusting mechanism for the laterally-moving carriage.

4. In a machine for computing interest and percentage, a case, a carriage mounted for Vertical movement in.the case, an adjusting device for the said carriage, a seconu\ -1 riage mounted in the case and adapted for.

lateral movement therein, a rate-dial carried by the vertically-movable carriage, pointers for the-rate-dial, an indicator also carried by the said vertically-movable carriage and operated by the movement of the carriage, a time and an amount dial produced upon the laterally-movable carriage, pointers for each of said dials and operative mechanism for the pointers, a lever pivoted in the case, means whereby the said lever operates the pointers of the amount-dial, and an adjusting mechanism for the said laterally-movable carriage, as described.

5. In a machine for computing interest and percentage, a case, a carriage mounted for vertical movement in the case, an adjusting device for the said carriage, a second carriage mounted in the case and adapted for lateral movement therein, a rate-dial carried by the vertically-movable carriage, pointers for the rate-dial, an indicator also carried by the said vertically-movable carriage and operated by the movement of the carriage, a time and amount dial produced upon the laterally-movable carriage, pointers for each of said dials and operative mechanism for the pointers, a lever pivoted in the case, means whereby the said lever operates the pointers of the amountdial, an adjusting mechanism for the said laterally-movable carriage, as described, independent releasing devices for the adjusting mechanism of each carriage, and a trip device for the operative mechanism of the pointers for the various dials, which trip devices are carried by the said case and operate at the extreme movement of the carriages in one direction, as set forth.

In testimony whereof I have signed my name to this specification in the presence of two sub-- scribing witnesses.

WVALTER MARTIN BRALY.

Witnesses:

H. F. ALEXANDER, O. M. KENDALL. 

